Best Business Credit Cards for Rewards in 2024

The American Express Blue Business Cash™ Card is a solid choice for small businesses. It's particularly attractive for its uncomplicated cash back structure and the absence of an annual fee. This combination allows businesses, even those with modest expenses, to realize a net gain from spending. Additionally, it offers a 0% introductory APR on purchases.

• Introductory Offers

  • Earn a $250 statement credit after spending $3,000 in the first 3 months.
  • Enjoy a 0% intro APR on purchases for 12 months from the date you open your account. After the intro period, a variable APR of 17.74% – 25.74% applies, depending on your creditworthiness. See Rates and Fees

• Rewards

  • Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%. Cash back is automatically credited to your statement.

• APRs, Fees, and Penalties

  • No annual fee. See Rates and Fees

• Perks & Benefits

  • With Expanded Buying Power, you can spend beyond your credit limit. The amount is flexible and adapts to your card usage and payment history. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • Terms Apply.

The American Express® Business Gold Card is a gem for any business-savvy individual. Its generous initial rewards can quickly set you up for success, and its tailored rewards structure means you're earning more on your top spending areas. Plus, you're in for extra perks like savings on popular services every month. While it does come with a few intricacies in its reward system and some caps, once you get a hang of it, you'll find it's a valuable ally in managing your business expenses. And, let's not forget, you even get to pick its stylish look.

• Introductory Offers

  • Earn 100,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months.

• Rewards

  • Earn 4X Membership Rewards points on the top two eligible spending categories each month, up to $150,000 annually.
  • Earn 3X points on flights and prepaid hotels booked on amextravel.com.

• Perks & Benefits

  • Get up to $20 in monthly statement credits for eligible purchases at FedEx, Grubhub, and Office Supply Stores, totaling up to $240 annually.
  • Receive up to a $12.95 monthly statement credit for a Walmart+ membership.
  • Choose from three metal card designs: Gold, Rose Gold, and Limited Edition White Gold.

• APRS, Fees, and Penalties

  • Enjoy a 0% Intro APR for six months on eligible purchases, then a variable APR of 18.74% to 27.74%. See Rates and Fees
  • Terms Apply.

The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.

• Introductory Offers

  • Earn a one-time cash bonus of $2,000 after spending $30,000 in the first three months.
  • Receive an additional $2,000 cash bonus for every $500,000 spent in the first year, with no limit on how many times you can earn this bonus.

• Rewards

  • Earn unlimited 2% cash back on every purchase, with no category restrictions.
  • Earn 5% cash back on hotels and rental cars booked through Capital One Travel.

• Perks & Benefits

  • Enjoy a spending limit that adapts to your business needs, with no preset limit based on your spending behavior and credit profile.
  • Empower your team with free employee and virtual cards, and earn rewards from their transactions.
  • Automatically sync your transaction data with your accounting software.
  • Spend $150,000 annually to get your $150 annual fee refunded.

• APRS, Fees, and Penalties

  • The Spark Cash Plus card requires you to pay your balance in full each month, as there is no APR.

This card is a great all-round business card, offering a decent flat rate for rewards, a sizable sign up bonus and the convenience of no additional fees for foreign transactions. If you're a small business owner looking for a no-annual-fee cash back card, this deserves a spot on your shortlist.

Introductory Offers

• Earn a $500 bonus after spending $4,500 in the first three months.

Rewards

• Earn 1.5% cash back on all purchases.
• Enjoy 5% cash back on travel booked through Capital One Travel.

APRS, Fees, and Penalties

• No annual fee.
• No foreign transaction fees.

Perks & Benefits

• Free employee cards.
• Track and monitor all cards.
• Access business reporting options, including year-end itemized summaries for taxes and purchase records in multiple formats.

The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.

• Introductory Offers

  • Earn a one-time bonus of 50,000 miles after spending $4,500 in the first three months.

• Rewards

  • Earn unlimited 2X miles per dollar on every purchase, everywhere.
  • Get unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.

• Perks & Benefits

  • Transfer your miles to over 15 travel loyalty programs.
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services.
  • Receive up to a $120 credit for Global Entry or TSA PreCheck.
  • Free employee cards that also earn unlimited 2X miles from their purchases.

• APRS, Fees, and Penalties

  • Enjoy a $0 intro annual fee for the first year; $95 after that.

The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.

Introductory Offers

• Earn $350 cash back after spending $3,000 in the first three months.
• Earn an additional $400 cash back after spending $6,000 in the first six months.

Rewards

• Earn 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services.
• Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
• Earn 1% cash back on all other purchases.

Perks & Benefits

• Enjoy Zero Liability protection for unauthorized charges.
• Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.

APRS, Fees, and Penalties

• Benefit from a 0% introductory APR for 12 months on purchases, then a variable APR of 17.99% - 25.99% after that.
• No annual fee.

The Ink Business Preferred® Credit Card is a robust ally for businesses, offering an impressive welcome offer that sets the tone for its value-driven features. With a rewards structure that generously caters to travel and specific business expenses, the card helps turn everyday spending into tangible benefits. Its suite of travel protections brings confidence to frequent travelers, and the modest annual fee is easily justified by the multitude of perks, including free employee cards. In short, it’s an astutely designed card that recognizes and rewards modern business dynamics.

Introductory Offers

• Earn 90,000 bonus points after spending $8,000 in the first three months.

Rewards

• Earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year.
• Earn 1 point per dollar on all other purchases.
• Points are worth 25% more when redeemed for travel through Chase Travel.

Perks & Benefits

• Round-the-clock monitoring for unusual credit card purchases.
• Zero Liability protection ensures you're not responsible for unauthorized charges.
• Purchase Protection covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
• Redeem points for cash back, gift cards, travel, and more, with no expiration as long as the account is open.

TheInk Business Premier® Credit Card is a powerhouse for entrepreneurs and businesses alike. If you're often on the move, its travel perks and zero foreign transaction fees are game changers. This card also generously rewards your spending (especially on larger purchases) and boasts unmatched flexibility when managing cash flow. Its built-in protections are like a security blanket for your transactions, maintaining your coverage in various scenarios. Although it comes with an annual fee and demands a solid credit profile, its benefits might make it your business's best financial companion.

Introductory Offers

• Earn $1,000 bonus cash back when you spend $10,000 in the first three months.

Rewards

• Earn unlimited 2.5% cash back on purchases of $5,000 or more.
• Get 2% cash back on all other business purchases.
• Enjoy 5% cash back on travel purchases through Chase Travel.

Perks & Benefits

• Benefit from no foreign transaction fees.
• Protect your trips with trip cancellation and interruption insurance.
• Stay secure with fraud protection and zero liability protection.
• Enjoy purchase protection, cell phone protection, and extended warranty protection.
• Add employee cards at no extra cost and monitor spending with digital tools.

APRS, Fees, and Penalties

• Pay your balance in full each month, with flexibility for qualifying purchases to be paid over time with interest.

The Ink Business Unlimited® Credit Card is a practical choice for small business owners seeking simplicity and value. Its straightforward unlimited cash back rate on all purchases means you don't need to worry about tracking bonus categories. With a generous welcome offer, it's a great choice if you anticipate significant initial expenses. Plus, you won't have to think about offsetting the cost of this card, as there is no annual fee. Free employee cards will also help consolidate business expenses and accelerate rewards earning.

However, due to its foreign transaction fee and lack of intro APR for balance transfers, you may want to explore other options if you have frequent international expenditures or need to transfer a balance transfer. The Ink Business Unlimited® Credit Card is a versatile card offering substantial rewards and benefits for most small businesses.

Introductory Offers

• Earn $750 cash back after spending $6,000 in the first three months.
• Enjoy a 0% introductory APR on purchases for 12 months, then a variable APR of 17.99% - 23.99% after that.

Rewards

• Earn unlimited 1.5% cash back on every business purchase.

APRS, Fees, and Penalties

• No annual fee.

Perks & Benefits

• Benefit from Zero Liability protection against unauthorized charges.
• Get round-the-clock monitoring for unusual credit card purchases.
• Add employee cards at no additional cost and set individual spending limits.
• Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.

The Marriott Bonvoy Business® American Express® Card is a robust and savvy choice for small business owners who frequently travel, particularly for those loyal to Marriott Bonvoy hotels. Its rewarding points system aligns seamlessly with everyday business expenditures, plus the generous welcome bonus is a major kick-start. The card's benefits, including free night awards and Gold Elite Status, offer significant value and can easily offset the annual fee while potentially transforming every business trip into a VIP experience. Furthermore, making travel purchases on this card provides a safety net of various travel insurance protections, adding peace of mind to each journey.

• Introductory Offers

  • Earn 3 Free Night Awards after spending $6,000 in the first six months. Each award can be redeemed for up to 50,000 Marriott Bonvoy points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

• Rewards

  • Earn 6x Marriott Bonvoy points on eligible purchases at Marriott Bonvoy hotels.
  • Earn 4x points on dining, U.S. gas stations, wireless services from U.S. providers, and U.S. shipping purchases.
  • Earn 2x points on all other eligible purchases.

• Perks & Benefits

  • Enjoy a 7% discount on eligible bookings as a Marriott Bonvoy member and cardholder.
  • Receive a Free Night Award annually after card renewal.
  • Earn an additional Free Night Award after spending $60,000 in a calendar year.
  • Complimentary Marriott Bonvoy Gold Elite Status.

• APRS, Fees, and Penalties

  • Annual fee of $125. See Rates and Fees
  • Terms Apply.

The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.

• Introductory Offers

  • Earn 15,000 Membership Rewards® points after spending $3,000 in the first three months.
  • Enjoy a 0% intro APR on purchases for 12 months from account opening, then a variable APR of 17.74% - 25.74% after that. APR will not exceed 29.99%. See Rates and Fees

• Rewards

  • Earn 2X points on everyday business purchases like office supplies and client dinners, up to $50,000 per year. After that, earn 1 point per dollar.

• APRs, Fees, and Penalties

  • No annual fee. See Rates and Fees

• Perks & Benefits

  • Expanded Buying Power lets you spend beyond your credit limit, adapting to your card usage and payment history. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • Terms Apply.

The Business Platinum Card® from American Express is an excellent option for business owners seeking robust rewards and benefits. Its generous welcome offer makes for a powerful start, particularly for those with large initial expenditures, while tiered rewards on high-volume spending categories make each dollar spent a valuable investment. Beyond that, this card's statement credits are a cashback boon across diverse business essentials, enhancing operational efficiency and the card's overall worth. Plus, the travel perks are fantastic for frequent flyers, offering both luxury and peace of mind. While the Amex Platinum does come with a famously high annual fee, the rewards and benefits can easily justify the cost for high-spending businesses.

• Introductory Offers

  • Earn 150,000 Membership Rewards points after spending $20,000 in the first three months.

• Rewards

  • Earn 5X points on flights and prepaid hotels booked through AmexTravel.com.
  • Earn 1.5X points on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers, as well as purchases of $5,000 or more.
  • Earn 1X point per dollar on all other eligible purchases.

• Perks & Benefits

  • Unlock over $1,000 in statement credits on select purchases in the first year.
  • Get a $200 Airline Fee Credit for incidental fees charged by a selected airline.
  • Receive up to $199 in statement credits for CLEAR Plus Membership renewal.
  • Access over 1,400 airport lounges worldwide with the American Express Global Lounge Collection.

• APRS, Fees, and Penalties

  • $695 annual fee. See rates and fees.
  • Terms apply.

The Hilton Honors American Express Business Card is a powerful tool for businesses, particularly those with frequent travel or dining needs. Its standout benefits are the generous welcome offer and robust hotel perks, which include status upgrades and free nights. Its diverse earning categories make accumulating points easy and rewarding, and no foreign transaction fees make it a great companion for international travel. While the value of Hilton Honors points might be lower than some competitors, the card's high earning rates can offset this if they align with your typical business spending. Lastly, its annual fee is modest and can easily be justified considering the rich rewards and perks, delivering both practical value and a touch of luxury for your business.

• Introductory Offers

  • Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after spending $8,000 in the first six months. Offer valid until January 8, 2025.

• Rewards

  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • Earn 5X points on other purchases up to $100,000 each calendar year, and 3X points thereafter.

• Perks & Benefits

  • Enjoy complimentary Hilton Honors Gold Status, with an 80% bonus on base points earned during stays.
  • Upgrade to Hilton Honors Diamond Status if you spend $40,000 or more in a calendar year.
  • Receive up to $60 in statement credits each quarter for purchases made directly with Hilton properties.
  • Enroll for complimentary National Car Rental Emerald Club Executive status through your American Express online account.

• APRS, Fees, and Penalties

  • Annual fee of $195 See Rates and Fees
  • APR: 20.24% - 29.24% Variable See Rates and Fees
  • Terms Apply.

The United℠ Business Card is tailored to the needs of frequent travelers and business professionals, offering a substantial welcome bonus, reward miles on United Airlines purchases and rich travel perks and protections. While it comes with comprehensive travel conveniences, potential cardholders must weigh these with the card's annual fee and lack of introductory APR offers. Ideal for those aiming to maximize travel benefits, this card can be a strategic choice for enhancing comfort and affordability while traveling.

All information about the United℠ Business Card has been collected independently by Moneygeek.com and has not been reviewed by the issuer.

• Introductory Offers

  • Earn 75,000 bonus miles after spending $5,000 in the first three months.

• Rewards

  • Earn 2x miles on United purchases, dining, gas stations, office supply stores, and local transit and commuting.
  • Earn 1x mile on all other purchases.
  • Receive a 5,000-mile bonus each anniversary with both this card and a personal Chase United credit card.

• APRS, Fees, and Penalties

  • Enjoy a $0 introductory annual fee for the first year, then $99 annually.

• Perks & Benefits

  • Receive a free first checked bag, potentially saving up to $160 per roundtrip.
  • Get two United Club one-time passes per year.
  • Benefit from priority boarding privileges.
  • Receive a $100 United travel credit after seven United flight purchases of $100 or more each anniversary year.